浅谈我国村镇银行发展现状、存在问题及对策分析.docx

浅谈我国村镇银行发展现状、存在问题及对策分析 摘要：在大数据的趋势下，金融机构和产品的创新力度不断加强，农村经济也在相应的迅速发展，客户对金融服务和产品需求也相应的提高了，但是资金缺口却阻碍了我国农村地区建设和发展甚至使其停滞，所以我国农村将会面临新层次的经济和融资问题，解决农村金融供给不足和“三农”融资等问题迫在眉睫。村镇银行是我国新型金融机构，带动着新农村的建设，改善了农村金融融资困难、服务质量以及产品创新等问题，为中小业、农户提供了便捷的金融服务，促进农业、农民经济的可持续发展。 本文通过了解目前我国村镇银行的概况、发展历程以及村镇银行的规模，包括数量和分布等，探究了我国村镇银行目前的发展形式以及发展状态，总结出我国村镇银行发展中所面临的问题，其中包括资金筹集困难、竞争力较弱、监管制度不合理等问题，并根据我国村镇银行发展中所存在的问题提出了相对应的对策和建议，主要有以下几个方面：扩大资金规模和提高认可度、提高自身的竞争力、优化股权结构、开展特色化金融产品和服务。 关键字：村镇银行，农村金融，农村经济发展  Talking about the Development Status, Problems and Countermeasures of Chinas Village Banks Abstract: Under the trend of big data, financial institutions and products have continued to innovate, the rural economy has also developed rapidly, and customers ’demand for financial services and products has also increased. However, the funding gap has hindered the construction and Development has even stagnated, so Chinas rural areas will face new levels of economic and financing problems, and it is imminent to solve the problems of insufficient rural financial supply and three rural financing. Village and town banks are a new type of financial institution in China, driving the construction of new rural areas, improving the difficulties of rural financial financing, service quality and product innovation, providing convenient financial services for small and medium-sized industries and farmers, and promoting the sustainability of agriculture and farmers economy development of. This article explores the current development form and development status of Chinas village and town banks by understanding the current situation, development process, and scale of village and town banks, including the number and distribution of village banks in China. Including problems such as difficulties in fund raising, weak competitiveness, and unreasonable regulatory systems, and corresponding countermeasures and suggestions were proposed based on the problems in the development of Chinas village and town banks, mainly in the following